Faysal aikFaisla Saving Plus Do you want to protect the future of your loved ones? Your answer will undoubtedly be “YES,” but how?

Faysal aikFaisla Saving Plus... provides you a solution which protects you from uncertainties of Life with regular savings and helps you in achieving your long term financial goals

With Faysal aikFaisla Saving Plus… You have the power to choose your Life Insurance cover based on your protection and saving needs

You can avail an attractive feature of Joint Life coverage which will not only provide life insurance protection to you but also to your family member. Under this option, the death benefit will be payable upon the unfortunate death of either of the lives assured, whichever occurs first.

You have the freedom to beat Inflation by selecting an option of Indexation (Increase your basic premium / Sum Assured by a fixed amount, equal to 5% of initial basic premium / sum assured, every year).

You will enjoy Guaranteed Loyalty Bonuses on various intervals which will be in addition to the basic allocation of units.

Your contributions will be invested in Jubilee Life Managed Fund. This Fund is being managed by expert investment managers and backed by premium securities to ensure optimized returns with reasonable risk exposure.

Life Insurance Coverage Saving Plus is a Life Insurance plan that gives you the flexibility to enhance your savings while giving you the benefit of Life Insurance Protection against future uncertainties. It gives you the flexibility to choose your desired sum assured in terms of multiples of your basic premium (Cover Multiples are available from 10 – 254 depending on the ages of the life/ lives assured). If the life assured expires during the term of the plan, the nominee will get the Sum Assured or the accumulated Cash value (whichever is higher).

Maturity Benefit At the end of the plan term, the policyholder will receive the Cash Value of the policy.

Allocation Percentages Your basic premiums towards Saving Plus are allocated to your unit account as follows: Percentage of premium Policy Year allocated to unit account 1st year 30% 2nd year 80% 3rd year onwards 100% Guaranteed Loyalty Bonus Saving Plus provides you an attractive Loyalty Bonus structure which will be in addition to the basic allocation of units, thereby helping you to grow your savings. Extra Unit Allocation Policy Year (as a % of basic plan premium) 6th year 10% 11th year 20% 15th year 50% 20th year 70% 25th year 80% Ad hoc 100% Ad hoc Premiums You may make extra contributions to your plan at anytime in addition to the regular premiums. Saving Plus allows you to add these contributions on top of your existing premium so that you can enhance your Cash Value. This will not affect the life insurance cover.

Optional Benefits Accidental Death Cover An additional amount will be paid under this benefit in case death occurs due to an accident.

Critical Illness Benefit Advances the benefit payable on death, in case the life assured is diagnosed with any of the pre-specified critical illnesses.

Family Income Benefit To meet recurring expenses, an additional regular income will be paid until the expiry of a defined period in case of death.

Waiver of Premium The premium from the next premium due date will be waived, if the life assured suffers an illness or disability and is not able to follow his / her own occupation or any other occupation suited by knowledge, training or education for at least six months.

Accidental Death or Dismemberment An additional amount will be payable in full under this benefit in case death occurs due to an accident. In case of dismemberment, full or partial amount may be payable depending on the nature of dismemberment.

Permanent Total Disability Advances the benefit payable on death, in case the life assured suffers permanent total disability.

Hospitalization Cash Rider Benefit A daily benefit (up to 3,000) is paid if the life assured is confined to a hospital. The payable benefit is doubled in case of hospitalization due to any of the specified critical illnesses, or in case of confinement to ICU, an additional 50% of the benefits will be payable.

NOTE: In the case of Joint Life Plan, the following optional benefits are available to second Life assured: Accidental Death or Dismemberment Hospitalization Cash Rider Accidental Death

Charges*: In addition to reduced allocation in initial years, the following charges are applicable on the plan: An investment management charge of 1.5% p.a. of Fund Value Administration Fee of Rs. 72 per month 5% bid-offer spread Mortality Charges, for one or both (if joint life coverage) persons Rider Charges, if selected

* All charges are reviewable by the Insurace Company.

Eligibility This plan is available to all customers aged between 18 to 65 years.

Term of Plan Minimum Term: 10 years Maximum Term: 25 years subject to a maximum age of 75 years of the life/ lives assured at maturity.

Payment Frequency Annually, Semi Annually, Quarterly or Monthly All payments are automatically deducted from your bank account with Faysal Bank Limited

Premium Limit Minimum: Rs. 24,000/- annually Maximum: No Limit

Partial Withdrawal You can partially withdraw your allocated funds from the policy after the initial two years in which you have made full premium payments. This will be subject to minimum residual cash value determined by the Company (residual cash value floor is reviewable by the insurance company).

Policy Surrender After the completion of two policy years in which you have made full premium payments, you can surrender your policy. At the time of surrender, you will be paid in full the Cash Value of your fund. However, surrender in early policy years may result in Lower Cash Values. Sample Illustration Faisal aikFaisla Savings Plan – FOR SINGLE LIFE

@6% p.a. @8% p.a. @10% p.a. Gross Investment Return Gross Investment Return Gross Investment Return Policy Death Surrender Death Surrender Death Surrender Year Benefit Value Benefit Value Benefit Value 5 Rs. 2,400,000 Rs. 216,000 Rs. 2,400,000 Rs. 227,000 Rs. 2,400,000 Rs. 238,000 10 Rs. 2,900,000 Rs. 597,000 Rs. 2,900,000 Rs. 658,000 Rs. 2,900,000 Rs. 727,000 15 Rs. 3,400,000 Rs. 1,165,000 Rs. 3,400,000 Rs. 1,349,000 Rs. 3,400,000 Rs. 1,566,000 20 Rs. 3,900,000 Rs. 1,905,000 Rs. 3,900,000 Rs. 2,335,000 Rs. 3,900,000 Rs. 2,880,000 25 Rs. 4,400,000 Rs. 2,854,000 Rs. 4,400,000 Rs. 3,747,000 Rs. 4,957,000 Rs. 4,957,000

First Life Assured Age: 30 years Second Life Assured Age: Not selected Gender: Male Policy Term: 25 years Basic Premium: PKR 50,000/- annually Rider Premium: PKR 2,500/- annually Total Premium: PKR 52,500/- annually Life Insurance Cover: PKR 2,000,000/- (40 multiples of annual basic premium) Accidental Death Cover: PKR 2,000,000/- Indexation: 5% flat every year

Disclaimers This product is underwritten by Jubilee Life. It is not guaranteed or insured by Faysal Bank or its affiliates and is not a Faysal Bank product.

The premiums in the plan are invested in Funds managed by Jubilee Life.

The past performance of by Jubilee Life Funds is not necessarily a guide to future performance. Any forecast made is not necessarily indicative of future or likely performance of the funds and neither Jubilee Life nor Faysal Bank will incur any liability for the same.

The Cash Values have been worked out at assumed investment returns of 6%, 8% and 10% per annum. These investment returns are before deduction of Investment Management Charges.

Our sales representative will provide a personalized illustration of benefits to you. Please refer to the notes in the illustration for detailed understanding of the various terms and conditions.

Please refer to the Policy Documents for detailed understanding of the various terms and conditions.

Supplementary Benefits may be available if the life covered is aged 55 years or less nearest birthday at the time of issuance.

Faysal Bank is acting as a distributor on behalf of and is not and shall not be held responsible in any manner whatsoever to any person, including but not limited to the insured customer(s), beneficiary(ies) or any third party.

Jubilee Life Insurance is the underwriter and provider of this Insurance Policy and shall be responsible for settlement of claims to the insured customer(s) or beneficiary(ies).

The investment risk shall be borne by the Policy Holder and actual maturity or surrender values may be lower or higher than the projected figures.

Please refer to company web site for target asset mix of the underlying fund: (http://jubileelife.com/investor-relations/investors-outlook/)

Free Look Period Jubilee Life offers a free look period of 14 days during which you can review your policy terms and conditions and cancel the policy if needed. Your premium will be refunded on receipt of written request within 14 days from the date of receipt of the policy document. Please note that Jubilee Life reserves the right to deduct the expenses incurred on medical examination.

Where can I get information about Jubilee Life’s Fund unit prices? Unit prices of Jubilee Life’s Fund(s) are published in all leading dailies and on the Jubilee Life website: www.jubileelife.com Branch Network

Sindh , Hyderabad and Sukkur

Punjab Arifwala, Burewala, Bhawalpur, Bhalwal, Cheechawatni, Chakwaal, DG Khan, Daska, Depalpur, Dina, Faisalabad, Gujranwala, Gujrat, Gujar Khan, Haroonabad, Jhang, Jhelum, Khanewaal, Kharian, Lahore, Lalamusa, Multan, Mandi Bahauddin, Mian Chunnu, Okara, Pakpatan, Rawalpindi, Rahim Yar Khan, Rabwah, Sialkot, Sargodha, Sahiwal, Sadiqabad, Toba Tek Singh and Vehari

Khyber Pukhtunkhawa Abbotabad, Attock, Haripur, Mardan, Peshawar and Swat

Balochistan Quetta and Turbat

Federal Capital Islamabad

Azad Jammu & Kashmir Chakswari and Mirpur

Registered Office Faysal House ST-02 Shahrah-e-Faisal Karachi-

All branch contacts and services are on our website.

JUBILEE LIFE INSURANCE COMPANY LIMITED 74/1-A, Lalazar, M.T. Khan Road, Karachi - 74000, Pakistan. Tel: (021) 35205094-95, Fax: 35610959 UAN: (021) 111-111-554 SMS “JUBILEELIFE” to 8398 Email: [email protected] Website: www.jubileelife.com

Call 24|7 111 000 325 111 060 606 www.faysalbank.com Faysal Bank Limited